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PODCAST

Get Out of Debt Guy | Smart Debt Solutions for Your Financial Freedom

Welcome to the Get Out of Debt Podcast with Steve Rhode, your trusted source for practical debt solutions, budgeting tips, and effective money management strategies. Join us for real-world discussions on overcoming financial challenges. https://www.pinterest.com/getoutofdebtguy/ https://www.instagram.com/thegetoutofdebtguy/ https://bsky.app/profile/getoutofdebtguy.bsky.social https://www.facebook.com/GetOutOfDebtGuy/ https://x.com/getoutofdebtguy

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All Episodes

00:09:17

I'm Struggling on Disability Income. Is American...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2022/05/19

Arianna wrote to me through my website at GetOutOfDebt.org and said she was living on disability income. She wanted to know if the nonprofit credit counseling group American Consumer Credit Counseling was a reputable company to go with to deal with her debt since she was struggling to make minimum payments only. In this podcast, I give Arianna a lot to think about and consider. She might not have to repay her creditors at all. Her situation is an interesting look at how multifaceted debt problems

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00:10:05

How Can It Be True That You Can Have Federal Student...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2022/05/18

A recent reader question dragged me down a long dark tunnel to research if you can have your federal student loans forgiven if you are in jail. You can read my full post here. The technical answer is it appears some people can have their loans written off. But there is so much more to this than you can even imagine assuming. Listen to this podcast to be amazed by this impossible program. Steve Rhode - Your Get Out of Debt Guy - GetOutOfDebt.org --- Send in a voice message:

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00:39:35

Straight Talk About Debt Settlement and Bankruptcy....

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2022/05/17

This time Damon Day and Steve talk about debt settlement. Or at least that's what the podcast was supposed to focus on. It didn't take long before it ran off the rails. But the show covers: What is debt settlement? What debt settlement is not. Is debt settlement always the best solution? Does debt settlement impact my credit? What are the facts about debt settlement? How do my debts get settled? Do creditors participate in debt settlement programs? What will my debt settlement payment

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00:29:41

There is More to Forgiving Student Loans Than Either...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2022/05/16

The topic of if student loans should be forgiven is a hot topic right now. On one side people are demanding some level of forgiveness. On the other side, student loan forgiveness should not happen because it is not fair to truck drivers. But what is the truth? In this Debt Free Dudes podcast, Damon Day ( DamonDay.com ) and Steve Rhode ( GetOutOfDebt.org ) talk about the real issues surrounding student loan debt and why the positions most have are nonsensical and won't fix the real problems. In this

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00:07:51

In 2022, Should You Rent or Buy a Home

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2022/05/13

No question has been asked more often over my decades of helping people with money, credit, and debt issues than is it is better to rent or buy. The best answer to that question is yes because arguments can be made on both sides of that issue. So, let's talk about it and help you to see the situation in a way you might not have before. In this podcast, I talk about the Money Personality test on my site. Here is the link. If you have money, credit, or debt questions you'd like to ask, drop by

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00:07:48

How Much Credit Card Debt Should I Carry to Not Harm...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2022/05/12

Alan asked me a question at GetOutOfDebt.org about how much his credit card balances should be and what percentage he should maintain to improve his credit score. Alan made some moves that seemed like commonsense but the reality is those assumed smart moves actually hurt his credit score. On this podcast, I also answer Alan's question and give you some tips on how to aim for the best credit score available. Steve Rhode - Your Get Out of Debt Guy --- Send in a voice message:

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00:06:28

Interest Rates and Credit Card Debt is Rising. Here...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2022/05/11

Today, my concern for your finances is over credit card balances and interest rates rising. People are not prepared for what is coming, and I want you to be ready. The latest figures are out from the Federal Reserve report on consumer credit. The G19 information looks at what types of debts are rising and which are falling. If you have a credit or debt question you'd like to ask, visit me at GetOutOfDebt.org. Steve --- Send in a voice message:

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00:05:42

What to Look for When Consolidating Private Student...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2022/05/10

Julie dropped by GetOutOfDebt.org and left me a question about consolidating private student loans. So before just leaping at advertising offers arriving in your mailbox, here are some points to consider. Be an intelligent consumer because otherwise, it can cost you a lot of wasted money. But you can save money and lower the cost of consolidating your private student loans with these simple tips. Visit me at GetOutOfDebt.org and ask me your credit or debt question just like Julie did. I'm here to

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00:24:55

Truth About Navient Student Loan Forgiveness. It's...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2022/05/09

Over on the Debt Free Dudes podcast, Damon Day and I talk about the confusion, complexities, and misinformation about the announcements that Navient forgiveness of student loans. There are so many important details the headlines can't give you. Debtors will be confused and may wind up angry if they think some or all of their student loans are going to be forgiven as the result of the settlement I wrote about at https://getoutofdebt.org/167223/ In this podcast, Damon and I talk about how confusing

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00:08:08

FTC Shuts Down Credit Repair Using Tradelines,...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2022/05/06

Company Illegally Charged Consumers for Credit Advice, Filed False ID Theft Reports, and Pitched Them on Fake Business Opportunity. You can read the full post and download the lawsuit and restraining order by visiting the original post at https://getoutofdebt.org/168047/ This Federal Trade Commission suit is yet another example of how consumers can be the victims of illegal services promising to improve credit using dubious techniques. --- Send in a voice message:

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00:13:15

Apparently You Can Screw Up a Student Loan Free Lunch

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2021/08/10

Well, federal student loans have been put on hold until January 31, 2022, and while that sounds like a fantastic way to deal with people struggling to pay student loans, it has good points and some not-so-great features. In this podcast, Damon Day and I talk about how not all "federal" student loans are included and the new Republican no-interest student loan act put forward in Congress. --- Send in a voice message: https://podcasters.spotify.com/pod/show/get-out-of-debt-guy/message

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00:33:26

Do Not Avoid Bankruptcy - You Read That Right

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2021/08/05

There is so much misinformation floating about when it comes to dealing with debt. Far too many people tell you bankruptcy is a last resort or you should avoid bankruptcy. But here is the ironic thing, that is often the worst advice possible. In this podcast, Damon Day and I talk about bankruptcy, myths and assumptions about bankruptcy, and how to deal with the debt collector if you fall behind on payments. The big lesson here is not to believe everything you think but to do your homework and find

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00:17:41

Student Loan Limbo and How to Get Out and Get On With...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2021/08/04

The issue today is that there seem to be so many conflicting stories and so much misinformation about student loans, people have become frustrated. Student loans are a major problem for most of our listeners and the nation. Not only are they unaffordable but they are also dragging down all consumers with higher prices, and they have created a large number of borrowers who have no choice but to stay in limbo, not knowing whether to pay their loans or how to do so when penalties and other roadblocks

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00:25:21

Well Bless Danny's Heart - EAC Student Loan Contracts...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2021/08/02

Today Damon Day and I talk about three quick topics. The first is a reader comment from our last podcast on debt validation. Danny sure is irritated by the podcast. Next, we talk about the termination of financing agreements for student loan assistance services. Finally, we discuss how the FTC is sending refund checks to people that were suckered into a business opportunity. --- Send in a voice message: https://podcasters.spotify.com/pod/show/get-out-of-debt-guy/message

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00:25:55

Public Service Loan Forgiveness is a Really Crappy...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2021/07/30

Today Damon Day and I get stupidly silly laughing and complaining about the ridiculousness of the Public Service Loan Forgiveness program that was intended to forgive student loans for firefighters, police officers, teachers, low-income lawyers, military service members, and more. The PSLF program has turned into a disgrace with more than 98% of people apply for forgiveness being rejected. But wait, there's more. To read the show transcript, click here. --- Send in a voice message:

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00:19:53

What You Should Really Know About Debt Validation and...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2021/07/27

In this podcast, Damon Day and I talk about why debt validation isn't really the magic solution some companies try to sell to consumers. There is much more to know about debt validation before you just leap at the incredible sales pitch. If you think debt validation is the way you'd like to take care of your debt, that's great. But before you leap at the sales pitch, at least understand the pros and cons of debt validation so you can make the best and most informed decision to feel confident debt

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00:08:17

In Debt? Consider Bankruptcy. Seriously.

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2021/07/26

If you want to see someone instantly disagree with you, tell them that people that file bankruptcy do better financially than people who don't and struggle. When people face unexpected money troubles, it is just math wrapped in emotion. The underlying facts are not judgmental. And the math doesn't make assumptions or believe common myths. Let's talk about it. --- Send in a voice message: https://podcasters.spotify.com/pod/show/get-out-of-debt-guy/message

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00:33:28

Get Out of Debt Guy Show - Student Loan Servicer...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2021/07/26

On the show today Damon Day and I focused on reduced mortgage payments for people behind on their federally backed mortgage loans after Covid forbearance ends, why it is so easy to make bad emotional decisions, and adios to FedLoan Servicing. Steve Rhode Get Out of Debt Guy GetOutOfDebt.org --- Send in a voice message: https://podcasters.spotify.com/pod/show/get-out-of-debt-guy/message

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00:05:31

Answering Reader Questions - 1099C and Credit Report...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2021/07/26

In this episode, I answer a couple of reader questions with some interesting issues. The first involves what looks like a duplicate 1099-C tax form for forgiven debt. The second is about an old bad debt that is still on the credit report. If you'd like to ask me a question, just visit https://GetOutOfDebt.org and click the ask a question link at the top. --- Send in a voice message: https://podcasters.spotify.com/pod/show/get-out-of-debt-guy/message

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00:05:20

Is the Payroll Tax Holiday You've Heard About...

Get Out of Debt Guy | Smart Debt Solutions for Your... ·

2020/08/10

You might have heard about a new presidential executive order that was signed recently that is supposed to put a halt to having payroll taxes taken out of your paycheck. But there is some important information to know before you get all excited about this and fall for it. --- Send in a voice message: https://podcasters.spotify.com/pod/show/get-out-of-debt-guy/message

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220 results

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